What is Circle Payments Network (CPN)?

Circle Payments Network (CPN) is a global network of partners, including banks, payment service providers, virtual asset service providers, and enterprises, who enable consumer, business, and institutional payments with 24/7 real-time settlement via stablecoins like USDC and EURC.

What are the benefits of CPN for network participants?

CPN combines legacy fiat rails with programmable, onchain money in the form of stablecoins. Network participants can modernize cross-border payments, enter new markets faster, reduce the need for prefunding local nostro accounts, improve liquidity, and reduce manual overhead with embedded compliance tools.

How does CPN handle compliance?

Only financial institutions that meet CPN's eligibility requirements can join and transact on the network. Eligibility reviews are tailored to each jurisdiction's regulatory oversight. CPN includes built-in features to enhance compliance and risk transparency, including Travel Rule enforcement in accordance with FATF guidelines and a Trust Engine that enables participants to define and enforce criteria for transactions and counterparties.

What role does Circle play in CPN?

Circle acts as the governing and standard-setting body for CPN and serves as the network operator. Circle does not act as a money transmitter and does not move funds directly. Circle creates and maintains the Circle Payments Network Rules, defines the CPN protocol, and provides developer APIs to help financial institutions connect securely within the network.

What blockchains and currencies does CPN support?

CPN is designed for multichain flexibility and supports Ethereum, Polygon, Solana, and EVM-compatible chains. Financial institutions can select blockchains based on internal risk, compliance, operational, and security requirements. CPN is stablecoin-agnostic, and USDC and EURC are currently used for settlement.

Circle Payments Network

Global. Interoperable. Settled in stablecoins.

Modernize how your business moves money worldwide with an efficient, stablecoin-powered payment infrastructure.

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Trusted by market leaders moving money at scale

PSPs, fintechs, enterprises, and banks use CPN to power global payment use cases.

Your entire payment lifecycle, covered.

Send

Use stablecoins to settle global payments in seconds, or send local fiat to third parties worldwide at lower cost.

Remittances

Reach underserved markets with local fiat payouts in 60+ countries and stablecoin payouts in 180+ countries.

B2B cross-border payments

Enable customers to pay global suppliers and counterparties in stablecoins or local fiat with near-instant settlement.

Marketplace and payroll

Pay creators, freelancers, and workers, even when local banking access is limited in certain markets.

Receive

Accept payments from businesses and consumers worldwide without legacy fees or funding delays.

Merchant acceptance

Give customers and agents an easier way to buy goods and services.

Account funding

Let customers fund trading, investment, or banking accounts 24/7 without wire delays or cutoffs.

B2B settlement

Collect payments from international partners and suppliers with lower fees and always-on settlement.

Manage

Move money across subsidiaries, accounts, and counterparties where speed and settlement matter most.

Cash management

Settle intercompany balances across entities in seconds, cutting pre-funding needs and keeping liquidity in-market.

Liquidity

Hold an operating float in USDC for 24/7 payments, or allocate funds into tokenized money market funds.

Third party payments

Pay vendors directly in real time, or convert to local fiat without correspondent banking relationships.

CPN Solutions

One integration with the payment capabilities you need

Flexible payment infrastructure configured to your business, from managed setup to self-serve stablecoin APIs.

UI screens showing a payment being sent from the US to Mexico

Stablecoin Payments

Everything you need from issuance to orchestration for end-to-end stablecoin payment flows.

Fiat Payments

Move fiat to local bank accounts in 180+ countries worldwide without wire delays, through a single integration.

Managed Payments

Launch enterprise-grade stablecoin payments without managing wallets, blockchain infrastructure, or digital asset licensing.

Treasury Management

A treasury solution that moves money where it’s needed, when it’s needed, without the constraints of traditional banking rails.

Why Circle

Full-stack payments from a globally regulated provider

Access issuance, liquidity, blockchains and payment rails directly with Circle.

Direct USDC access

Mint and redeem efficiently at scale with on- and off-ramps supported by Circle global banking partners.

Stablecoin-native infrastructure

Send and receive stablecoins across 25+ blockchains without managing multiple wallets or holding gas tokens.

Arc, the blockchain built for payments

Sub-second finality, sub-cent gas fees in digital dollars, and agent-ready rails make Arc the preferred settlement layer on CPN.

Fiat compatible

Convert stablecoins to local fiat for last-mile delivery through global payout partners without added complexity.

Compliance-ready

Designed to align with local Travel Rule requirements and regulatory expectations across key jurisdictions.

Built to evolve

Fully managed, composable payments infrastructure that adapts as your payment operations evolve.

Market-tested for modern payments

175+

Financial institutions enrolled

As of August 5, 2026

55+

Global licenses and MTLs

25+

Blockchains supported

Regulated stablecoin in the world, USDC

Case Studies

Teams like yours have already seen the results

Ready to upgrade your payment flows?

Talk with our team to discover how CPN integrates with your existing payment stack to enable 24/7 settlement.

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Resources

Blog

Read the latest updates about Circle Payments Network.

Learn more

Documentation

Explore our technical docs and learn how to integrate.

View docs

Case studies

See how companies use CPN for stablecoin payments.

Read here

Circle Technology Services, LLC (CTS) is the operator of Circle Payments Network (CPN) and offers products and services to financial institutions that participate in CPN to facilitate their CPN access and integration. CPN connects participating financial institutions around the world, with CTS serving as the technology service provider to participating financial institutions. While CTS does not hold funds or manage accounts on behalf of customers, we enable the global ecosystem of participating financial institutions to connect directly with each other, communicate securely, and settle directly with each other. CTS is not a party to transactions between participating financial institutions facilitated by CPN who use CPN to execute transactions at their own risk. Use of CPN is subject to the CPN Rules and the CPN Participation Agreement between CTS and a participating financial institution.

CPN Managed Payments is provided by Circle Internet Financial, LLC. Circle Internet Financial, LLC (NMLS #1201441) is a licensed provider of money transmission services. Circle Internet Financial, LLC is licensed as a Money Transmitter and to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. A full list of Circle’s licenses can be found here.

USDC is issued by regulated affiliates of Circle. See Circle’s list of regulatory authorizations.